Can I retire yet?

This resource, made available by Investment Counselor Darrow Kirkpatrick at, presents a series of models that can be used to help plan your retirement scenario. Used in conjunction with a financial planner, they can help you lay out a plan for your retirement horizon.

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Comments On This Topic

  1. Yes I would like to know for instant if a person been working in the workforce for near 19 years and that person 53 years of age can that person retire and that age 53 and still draw a third of there retirement benefits are does that person have to wait until they reach 73 years old?

    • Hi,
      This is an excellent question; however, you need to ask the writer of the article on that website. The link provided on this website redirects you to the article. At the bottom of that page, there is a button for contact where you can reach the article author.
      I can tell you how such a strategy would affect your Social Security benefits. Based on the way benefits are calculated, if you worked 19 years and retired at 53 to live off of savings, you would receive a smaller Social Security benefit when you are ready to collect. On the other hand, all those years you are not working (i.e. ages 53 to 65), you would not have Social Security taxes if you have no income. So if you choose the strategy discussed in the article, this is another factor to think about.

      Thank you for your comment,
      C.J. Miles, MSA, MBAHCM
      Research Analyst & Certified Social Security Advisor
      AMAC Foundation

    • Isn’t it generally rdeeragd as poor methodology to splice signals due to the bandpass problem?For example, take any noisy signal. Apply a low bandpass filter to the first portion of the signal and a high bandpass filter to the end portion. What you will end up with is a signal that looks quite flat in the first portion and quite spiky in the end portion.Looking at the resulting signal you might then incorrectly conclude that the object generating the signal had changed, while in fact the observed change is simply an artifact of the bandpass problem. Since it is unlikely that a tidal gauge has the same bandpass as ocean sediments, it would appear that any conclusions drawn from the signal might simply be an artifact of the signal processing. Unless and until the same bandpass filters are applied to both portions of the signal you cannot reliably splice the signals and achieve a significant result.For example, it is likely that the ocean sediments are a low bandpass filter. There may well have been spikes in the low bandpass section of the signal similar to what is observed in the tidal gauge. However, these would no longer be visible due to the effects of the filter. Thus, it cannot be ruled out that such spikes are typical of the signal.

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